Pronvest LLC DBA Future Capital

ITEM 5: FEES AND COMPENSATION

With the exception of monthly subscription-based fees, advisory fees are charged
quarterly. Depending on the contractual arrangement, fees may be deducted directly
from a client’s retirement account, deducted from payroll, or paid by credit card. All
fees are negotiable. Future Capital may, without the signature of a client, reduce the
client’s advisory fee. Future Capital provides each client with a fee notice each time a
fee is charged or deducted from the client’s account. Future Capital may offer free
trials to new clients and may reduce or waive its advisory fee for employees and
employees of our affiliates or subsidiaries.

Employer Sponsored Retirement Account Service Agreement
Future Capital charges an advisory fee of up to 0.3125% per quarter (1.25% annually) of
the fair market value of a client’s account as determined on the last day of each
quarter. Fees may be billed in advance or arrears depending on the contractual
arrangement between Future Capital and the client’s recordkeeper or the client’s
retirement plan sponsor. Fees are deducted from the client’s account by the custodian
or recordkeeper at the end of each calendar quarter. With respect to the quarter in
which the client first hires Future Capital, the advisory fee will be prorated based on
the first date that Future Capital manages the client’s account. Annual fees are
capped at $5,000 per client per account unless an alternative fee cap is negotiated.
Clients who pay fees in advance are issued a prorated refund if applicable upon
termination of the client’s service agreement with Future Capital. Upon termination of
services, clients who pay advisory fees in arrears are billed a final prorated advisory
fee based on the number of days Future Capital managed the client’s account during

the quarter of termination. An account balance minimum may apply in certain
circumstances and will be specified in the client’s service agreement if applicable.

Employer Sponsored Retirement Account Subscription Agreement
Unless otherwise specified in the client agreement, Future Capital’s standard fee is
0.05% per month (0.60% per year) based on the fair market value in a client’s account
which is calculated based on the date of the initial subscription and each twelve-
month anniversary thereafter, subject to a minimum monthly fee of $15.00 unless
otherwise agreed upon in writing. Fees are billed in advance on the date of the initial
subscription and on a monthly basis thereafter. If, during any quarter, the client’s
balance decreases such that it would result in a lower fee, the fee will be adjusted
accordingly. Conversely, if a client’s balance increases such that it would result in a
higher fee, the fee will remain at the lower rate for the remainder of the current twelve-
month period and adjust accordingly at each twelve-month anniversary. Given that
Future Capital’s advisory services for a given quarter are deemed to be fully delivered
as of the date of the first monthly fee deduction for that quarter, clients are not entitled
to receive a refund of any monthly advisory fee they have paid in advance upon
termination. Fees are typically charged to the client’s credit card on file with Future
Capital but may be paid through other means, such as payroll deduction, upon
mutual written agreement. Some legacy accounts are billed under a tiered fee
schedule as stated in their client agreement; these accounts could be charged slightly
above or below 0.60% per year depending on where within their tier they fall.

IRA and Retail Account Agreement
Future Capital charges an advisory fee of 0.3125% per quarter (1.25% annually) of the
fair market value of a client’s account as determined on the last day of each quarter.
Fees are billed in arrears and automatically deducted from the client’s account by the
custodian or recordkeeper at the end of each calendar quarter. With respect to the
quarter in which the client first hires Future Capital and the quarter in which the client
terminates services, the advisory fee will be prorated based on the number of days
that the client’s account is managed during such quarter. Upon termination, clients
are not entitled to receive a refund of the advisory fee. Annual fees are capped at
$5,000 per client per account.

Advisory Service Providers
The Model Provider receives a quarterly fee equal to 0.0125% (totaling 0.05% annually)
of each managed client’s balance, prorated by the number of days managed. This fee
is paid to the Model Provider by Future Capital and is not in addition to the client
advisory fee.

Distributor Agreements
Distributor Agreements are arrangements between Future Capital and third parties
through which Future Capital is introduced and distributed to retirement plan
sponsors and their participants. In certain of these relationships, Future Capital is
integrated into the distributor (e.g., recordkeeper) platform which allows plan
participant and account information to flow between the distributor and Future
Capital and enables processing of trade files and fee files. Distributor Agreements are
typically considered to be promoter relationships wherein the distributor receives a
revenue share in exchange for marketing Future Capital services to new clients.
Promoter arrangements are described in more detail under Item 14.

Other Fees
Custodians may charge transaction fees on purchases or sales of certain mutual
funds and exchange-traded funds. These transaction charges are usually small and
incidental to the purchase or sale of a security. The selection of the security is more
important than the nominal fee that the custodian charges to buy or sell the security.
Clients should also be aware that collective investment vehicles, such as mutual
funds, typically have operating or distribution fees or expenses that are in addition to
the advisory fees paid to Future Capital. Clients should read each fund’s prospectus
...

ITEM 7: TYPES OF CLIENTS

Future Capital provides advisory services to Employer Sponsored Retirement Account
participants and owners of IRAs or retail accounts including individuals and high net
worth individuals. Services may be offered to Employer Sponsored Retirement Account
participants through retirement plan recordkeepers and retirement plan sponsors or
employers, including corporations, charitable organizations, and governmental
entities.